imported post
I had a problem with Progressive where I changed the policy to a new one and someone (probably me due to my dyslexia) got the last three numbers as 227 instead of 277 like it should have been (or was it the other way around). Progressive never told me it was an illegitimate VIN and claimed that the State I live in only validates part of the VIN string when they first originate a policy.
The ONLY way I found out about it was that 5 months later the state sent me a letter with a penalty fee for no longer having the original number insured (required in GA). So I went out and compared the VIN they had in the letter with the bike and it was right. Then I pulled out my insurance card from Progressive and saw the transposition. Being dyslexic it was hard for me to notice at first but I forced myself to pay attention to it and finally saw it.
My first thougt was that Progressive must have never implemented the policy, but they had issued a policy for the wrong VIN. That meant that for the past 5 months, if I had been in a claim situation, they would not have paid anything because that would have not been the bike involved according to the policy VIN they had.
I had to contact the County license tag office and they said that if the insurance company made the correction and showed I had been insured over the missing time, they would drop the penalty fee.
I contacted Progressive and they were very cooperative about fixing it and reissuing the new cards and show coverage over the whole period. Which they did promptly. Bad part is once I got the cards, I had a hard time being sure which was incorrect card to discard.
The county confirmed the policy change and dropped their stupid penalty fee.
This is a good example about how simple it is to end up in a bad situation and my agent (who died last year in a motorcycle accident with a head on truck) would never have picked that up anyway. I would have been blissfully riding along thinking I had done everything I should have and had no coverage at all. None
Check your stuff yourself. And get someone else to help if you have dyslexia.